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Your Window on Money

Our Quarterly Client Newsletter

SUMMER 2019 EDITION

Your Window on Money seeks to address topical issues that are likely to be of interest to most readers; please do not hesitate to contact us should require further information on any of the articles, or any other financial matter.

Simply Money Spring Edition 2018

Inside this issue

  • Goal-based investing explained Structuring your investment around your specific financial aims, has become a widely used way of helping people plan their financial futures
  • Celebrating 20 years of the ISA When the ISA was launched in 1999, the annual allowance was £7,000 and has risen steadily over the years
  • In the news … A whistle stop tour of some of today’s trending personal finance news flow
  • Investment jargon made simple The commonly used words and phrases used in connection with investing can often seem confusing, here we explain a few terms
  • Savings – do you need a nudge? Using psychological techniques to influence behaviour, might just help us all to get into the saving habit
  • Saving £2,880 a year could provide a retirement windfall for your child Planning ahead and starting early can really help when it comes to building up wealth for children
  • Generation X top the pensions savings chart Those aged 43 to 54 account for the largest proportion of the UK’s personal pension contributions
  • Huge rise in protection policy take-up More people are planning for their family’s financial future and protecting themselves against life’s unexpected and unwelcome events
  • When will you retire? Research shows that one in 10 workers expects never to be able to afford to stop work and believe they will have to keep on well into their retirement years
  • Millennials could save £10.5bn by making a few lifestyle swaps Although retirement could seem a long way off, putting cash into your pension when you’re young will give your money time to grow

The information contained within our newsletters is for information purposes only and does not constitute financial advice.
The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated.

NEWSLETTER ARCHIVE

Spring 2019 inside this issue

In the News // Financial mistakes even the experts can make // Scams update – new warnings issued // Worry for carers without protection policies // ‘Sandwich generation’ facing major challenges // Tax allowances – use them or lose them! // Financial advice for new parents // Middle classes most impacted by Inheritance Tax

Winter 2018/19 inside this issue

Does your money need a personal trainer?  //  Single adults find it hard to save  //  How to side-step retirement remorse  //  Self-employed? Prioritise your pension in 2019  //  Poor health prompts retirement  //  Pensions – there’s good news!  //  Make 2019 the year you get the protection you need  //  Time to top up your ISA?

Autumn 2018 inside this issue

Is your family financially-savvy? // In the News // What are the main asset classes? // Seven out of ten pension savers favour retirement income targets // More taking out protection policies as health consciousness rises // Reached your half-century? How to plan for retirement // Adults carry out 109 life admin tasks per year // Women are better savers than men.

Summer 2018 inside this issue

· Pensions jargon – busted
· Are millennials saving enough for retirement?
· Early retirement could disappear by 2035, so it’s time to plan

· Power of Attorney – record numbers entrusting

Spring 2018 inside this issue

· Five personal finance habits we should all adopt
· More than £400 million languishing in old pension pots
· Two-thirds without life insurance despite health worries
· Dividend allowance reduction from April 2018

Winter 2017/18 inside this issue

· One in three retirees will have to rely in the state pension 
· Where will you live in retirement?
· Don’t leave your loved ones facing financial ruin
· Do we need targets to help us save more for retirement?
· Addressing your personal finance weak spots

Autumn 2017 inside this issue

· Millennials: don’t overlook the benefits of insurance 
· Pension freedoms – don’t lose out!
· A few personal finance facts we all need to know
· How employees can unlock ‘free’ pension cash
· Plan now for a comfortable retirement

Summer 2017 inside this issue

· What the election result might mean for your money 
· Parents more likely to insure their possessions than their health
· Be aware – new online scams reported
· The 17 million ‘sandwich generation’
· Remarriage – why you need to update your Will

Spring 2017 inside this issue

· Does it make sense to combine your pension pots? 
· The peace of mind that protection policies can provide
· Power of Attorney – why numbers are rocketing
· Happy 5th Birthday to the Junior ISA
· Regrets people have in retirement, and how to avoid them

Autumn 2016 inside this issue

· Junior ISA – cash or stocks and shares? 
· Surviving financially after the death of a loved one
· How much will you spend in retirement?
· Will Brexit derail pension freedoms?
· Annuities – where are we now?

The information contained within our newsletters is for information purposes only and does not constitute financial advice.
The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated.

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